BARODA RAJASTHAN KSHETRIYA GRAMIN BANKANNEXURE _"A" BARODA RAJASTHAN KSHETRIYA GRAMIN BANK (Head...

ANNEXURE _"A"

BARODA RAJASTHAN KSHETRIYA GRAMIN BANK(Head Office: Ajmer)

LIST OF UNIFORM SERVICE CHARGES {w.e.f 23.04.2020}PART - A: UNIFORM SERVICE CHARGES TO BE APPLIED BY FINACLE

AREA OF BANKING SERVICE SERVICE CHARGES (FLOOR RATES) Excluding GST 18%SECTION - I : DEPOSITS AND ALLIED SERVICES

1 Ledger folio charges

~ 1001- per Folio (30Records)After the free folio charges mentioned bellow

A~~licable to- CA, CC, 00 (Excluding loan against banks own de~osits}

Average Credit Balance (Rs.) Free folios per year

-Current Accounts Rural I Semi-Urban Branch Urban Branch

Upto ~ 250001- 2 2Above ' 250001- & upto to' 1000001- 3 3Above ~ 100000/- & upto to ~ 2000001- Unlimited Unlimited

Above ~ 2000001- Unlimited UnlimitedNOTE: Ledger folio charges to be recovered on

NOTE: For alcs maintained on computers, 30 entries or part thereof to be treated as one ledger pageQuarterly basis(Folio)

Savings Bank Accounts No folio charges - in Savings Bank Account

2 a) Charges for issue of Duplicate Statement IPass Book with latest balance only (First PassBook/statement - Not chargeable) For Individual For Non-individual

~ 100/- Per Pass Book ~ 125/- Per Pass BookCharges for previous entries (if required)

Rs 501- per ledger folio or part thereof Rs 1001- per ledger folio or part thereof

Note: l.These Chargesfor Duplicate PassBook/Statement should be charged manualy at the

•.1'1time of giving the same. 2.Normally statement of d'1.' .- -.accounts is free once in a month. /:

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AREA OF BANKING SERVICE SERVICE CHARGES (FLOOR RATES) Excluding GST 18%

b) Issue of letter of acknowledgement or For Acknowledgement' 75/-

Duplicate TDR in case of loss of TOR

For Duplicate TOR' 100/-3 Cheque Book Issuance Charges

In SBAccounts 30 leaves will be free in a Financial year.Subsequent If Average quarterly balance is Rs 11acand above - No charge.lf Average quarterly balance is bellow Rs 1 lac' 3.00 per leaf. For personallse

a) Savings Bank: cheque book If Average quarterly balance is Rs 11ac and above - No charge.Average quarterly balance isbellow Rs 1 lac' 4.00 per leaf.(For Quarterly Average Balance treated from 16 Mar. to 15 Jun,16 Jun to 15Sept,16 Sept. to 15 Dec. and 16 Dec to 15 Mar. every year)

In CA/CC/OD Accounts - SO leaves will be free for First Time.Subsequent If Average quarterly balance is Rs

b) CAICC/OD Alc etc. :11ac and above - No charge.lf Average quarterly balance is bellow Rs 1 lac' 4.00 per leaf. For personalisecheque book If Average quarterly balance Rs 11ac and above - No charge.Average quarterly balance isbellow Rs 1 lac' 4.00 per leaf.

4 Opening & Minimum balances (Quartly Average Rural Branches Semi-Urban Branches Metro/Urban BranchesBalance to be mentioned)

a)Current Accounts ~ 1000/- ~ 2000/- ~ 5000/-

b)Premium Current Accounts ~ 100000/- ~ 100000/- ~ 100000/-

c)Savings Bank Accounts

(i) With Cheque Book facility ~ 500/- ~ 500/- ~ 1000/-

(ii) Without Cheque Book facility ~ 100/- ~ 500/- ~ 500/-

d)Flexi Saving Bank Accounts ~ 10000/- ~ 10000/- ~ 10000/-

e)Basic Saving Bank Account (No frills Alc) NIL NIL NIL

No minimum balance charges on Staff accounts and salary Institutions alcs who are paying salary to their employees having a/cs with us andemployees where salary credit in our bank's alc and No Frill A1Cs (SB 124,SB 150 etc) H~

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5 Charges for not maintaining minimum balance I(Quartly Average Balance) as mentioned in para4 above Rural Branches Semi-Urban Metro/Urban Branches

AQBRs1000/- not mantalned' 200/- perquarter AQBRs2000/- not mantained' AQBRs5000/- not mantained'a) Current Accounts 300/- perquarter 500/- perquarter

AQB Rs 100000/- not mantained 'f 600/-per AQBRs100000/- not AQBRs100000/- not mantained'b)Premium Current Accounts quarter mantained' 600/- perquarter 600/- perquarter

c)Savings Bank Accounts

(i) With Cheque Book facility Rural Branches! semi urban Metro/Urban BranchesBalance Short From require Min. Balance:

a) Shortfall in QAB upto 25% 20 Rs31/- per quarter Ib) Shortfall in QAB upto 25% to 50% 40 Rs63/- per quarterc) Shortfall in QAB upto 50% to 75% 60 Rs94/- per quarterd) Shortfall in QAB more than 75% 80 Rs125/- per quarter I

(ii) Without Cheque Book facilityBalance Short From require Min. Balance Rural Branches! semi urban Metro/Urban BranchesBalance Short From require Min. Balance:

a) Shortfall in QAB upto 25% NIL Rs31/- per quarterb) Shortfall in QAB upto 25% to 50% NIL Rs63/- per quarterc) Shortfall in QAB upto 50% to 75% NIL Rs94/- per quarterd) Shortfall in QAB more than 75% NIL Rs125/- per quarter :

d)Flexi Saving Bank Accounts ' 100/- per quarter ~ 100/- per quarter

e)Other Saving Bank Accounts (Sch. S8111, SB NIL NIL112,124,125,126,127,128,131,150,223,323)

6 Addition or deletion of names in Accounts ,change in Nominations and change inoperational instructions.Addition/deletion in name and Change in ~ 150/- per occasionoperational instructions (incl. Lockers) (Not applicable for deletion of name on account of death of customer in joint Nc)Change in Nomination ~ 100/- per occasion

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7 Charges for Standing instructionsi) Within same Branch NILii) In case ot credits tor outside the branch whetherin same city or other cities i.e in other branches / '{ 50/- pertransactionOffices such as LlC etcCharges for inability to carry out standing !

8 instructions due to insufficient balance in the '{ 100/- per transactionAlc

9 Charges for Stop Payment instructionsa) For Stop Payment of Instrument I

(i) S.B. - '{ 75/- per instrument(ii) CA.lCC.lOD -- '{ 150/- per instrumentb) In case of loss of complete cheque book(i) S.B. - '{ 400/- per Book(ii) CA.lCC.lOD -- '{ 800/- per Book

NOTE: Branches to inform the alc holder at the time of opening the account as also while issuing the cheque book about suchcharges so that the alc holder keeps the cheque book in proper security and follows its safe keeping.

10 Charges for Cheque returned unpaidLocal cheques:

(a) Returned in Outward Clearing'{ 1501- per instrument. (irrespective of nature of reasons) Chequereturn due to technical reason - not at the fault of the customer - No charge

(b) Return of Inward Clearing

i)For Financial Reasons '{ 200/- per instrument.

ii) For Non-Financial Reasons'{ 15u/- per instrument.Cheque return due to technical reason - not at the fault of the customer - No charge

Return of Outstation Cheques sent for50% of our collection charges subject to a minimum of,{ 100/- plus actual postage charges.collection

Note:-Chargesfor entries DR receivedthrough ECSand not respond, treated as cheque return charges.11 Incidental charges for inoperative accounts

A) Inoperative Savings Bank a/cs. - NILB) For Inoperative Current Accounts -- NIL

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12 Charges for issuance of Balance Certificate, atthe request of customeri) For Individuals - All Type of accounts ~ 100/- per certificateii)For All Others - All Type of accounts ~ 125/- per certificate

iii)Charges for issuance interest certificate, at the~ 100/- per certificate ( For the second/Additional certificate)

request of the customer13 Premature closure of Alcs - (within a year) If account is closed after 14 days but within one year customer induce transaction

a)SB Alc * (Excluding Small SB ac and BSBO ac)Rural/ Semi-Urban Branches -' 150/-Urban Branches - . 200/-

b)Current Account *Rural 1Semi-Urban Branches -' 300/-Urban Branches - . 5001-

c)RD/ISJY Alc eioo/-d)Closure of Account due to death of Alc Holder No Charges

e)Closure of Alcs which are of Irregularl Non-Iprofitabe naturei) Current Alc - Only Folio Charges to be charged.

ii) SB Alc No ChargesNote:1. * No Charges will be applicable if the Customer choose to closethe AlC within 14 days of first customer induced credit into Account.2.No Charges will be applicable if the AlC is being transferred to our bank's another branch.3.No charges if account closed due to death of account holder

14 Allowing operations in an alc through-a) Power of Attorney - For Current, CC, aD

Saving banks ale - ~5001- one time charges at the time of acceptence of instructions.Accountb) Mandate - For Savings Bank Accounts

CIA I CC I 00- nOOOI-one time charges at the time of acceptence of instructions.

15 Change of authorized signatory Including ~2001- per changereconstitution of Alc in CA, CC, OD Account--16

Issue of Solvency Certificate ~2001- per lac & part thereof subject to Min. Rs. 10001- maximum of Rs. 200001-

1. For issuance of capacity certificate for obtaining VISA50% of the charges as mentioned above, subject to maximum' 15001-etc for educational purpose for students

2. For issuance of above certificate to staff members forNo charges should be recoverededucational loan of their children

3. Charges for issuance of bankers certificate on behalf Rs 1000/- per certificateof contractor clints for participating in the government .,;" .tender ,,':'r: -'NOTE: Branch Manager is not authorised to issue Solvancy Certificates. /.Z'>-

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AREA OF BANKING SERVICE SERVICE CHARGES (FLOOR RATES) Excluding GST 18%17 Opening accounts with restrictive operations

i) Current, Cash Credit, Over Draft Account NOO/-one time charges at the time of acceptence of instructionsii) Savings Bank Account nOO/-one time charges at the time of acceptence of instructions

18 Panel Charges for Late Payment of Instalment in n/- per month per ~ 100/-Recurring Deposit Acounts (Irrespective of Note: System will debit the account for charges & amount will be credited to incidentalTenure) charges and GST will be levied on the charges.

COLLECTIONS1 Collection of outstation Other Bank's Cheques

(By sending cheques physically)a)Through our bank's branches(i) Up to" 5000/- ,{2S/-(ii) Up to" 10,0001- ,{SO/-(iii) bove' 10,000 to"1 lac rioo-(iv) Abovet lac to "5 lac '{200/-(v) Above"5 lac to "10 lac '{22S/-(vi) Above"10 lac ,{2S0/-Note: Above charges are exclusive of out of pocket expenses i.e. Postage ICourier extra.b) Direct collection through other banks i.e. Our Bank'schargesasmentioned above to be recovered, out of which 50% should be paid to other Bankinstruments drawn at a centre where we have nobranch

2 Chequescollected through our branch for another 50% of our Bank'scharges to be recovered asMentioned above (Inclusive of postage etc.)For immediatebank including Bank of Baroda credit of outstations cheques our usual collection chargesshould be charged in FULL

Outstation cheques return charges 50%of collection chargesapplicable

3 a) Collection of BillsApplicable to IBCs/OBCs for Bills for AmountUpto"1.00 Lac no.oo per Rs.lOOO/- Or part thereof subject to MinimumnOO/-.Above"1.00 Lac upto ' 10.00 Lacs '{g.OO per Rs.lOOO/- or part thereof subject to a min. ofnOOO/-Above"10.00 Lacs es.oo per Rs.lOOOI- Min. ~9000/-NOTE: Postage is to be recovered on actual basis.b) Return of Bills UnpaidApplicable to IBCs/OBCs for Bills for AmountUpto' 100000/- '{a.oo PernOOO/- Or part thereof subject to MinimumnOO/-.Abovej lac upto ' 10.00 lacs n.oo pernOOOI- or part thereof subject to a min. oRaOO/-Above" 10.00 Lacs '{6.00 perUOOO/- Min. HOOO/- ~"." ~NOTE: Postage is to be recovered on actual basis and Rs 100/· per bill (also in case of BPIBD where there is a change in instructions) .~~'Y.:

REMITTANCESAREA OF BANKING SERVICE SERVICE CHARGES (FLOOR RATES) Excluding GST 18%

1 a) Issuance of DD/MT/BCUp-to' SOOO/-- "t50/-Above' SOOO/-upto ' 100000/- '2.S0per' 1000/- or part thereof subject to Min. 'SO/-&Max. '2S0/-Above' 100000/- '4.00per' 1000/- or part thereof subject to Min. '2S0/-& Max. '12000/-b) Against tender of cash tor any mode otremittance SO%higher charges over floor rates

2 Cancellation of DO/Bankers' cheque Up to Rs5001- Nil more than Rs5001- nool- per instrumentIn case of lost of instruments- Up to Rs5001- charges Rs201- Above Rs 5001- Rs 2001- per instrumentIn case of Duplicate DD As per Issuance of new DD charges

MISCELLANEOUS SERVICES1 Cash Handling charges

(i) Saving Bank Accountcash deposit - Any amount NIL(ii) CAICC/OD & Others

(a) Cashdeposit upto 50,000/- or upto 10 packetsi.e. 1000 pieces of notes of any denomination Niltaken together, whichever is higher, per day

(b) Above 10 packets r.e, 1000 pieces ot notes per @ Rs. 10/- per packet or part thereof (Min. Rs. 10/- and Max. Rs. 10,000/-)dayNOTE:1. No cash handling charges for all types of LoanAccounts excluding CC/ODAccounts.2. Regional Manager may take decision to give rebate/relaxation of CashHandling Chargesin Current A/cs,savings bank a/c.cash credit a/cs,over draft a/cs ofgood customers of branches on caseto casebasis,subject to PSSfrom HeadOffice on monthly basis.3. Branch Manager may take decision to give rebate/relaxation of CashHandling Chargesin all types of Deposit A/cs (except Current A/cs) of good customersof branches on caseto casebasis,subject to PSSfrom RegionalOffice on monthly basis.

Attestation of customer's signature nOOI-per instrument per occasion and for joint customer Rs 150 per instrument per2 occasion3 Providing credit report ~6001- per occasion

(including opinion and introduction)4 Inquiries relating to old records.

(i) 3 to 12 months old ~ 100/- per item(ii) Above 12 months upto 3 year ~ 2501- per item .J(iii) Above 3 year upto 7 year ~ 400/- per item yt.tr:" -~(ii) Above 7 year ~ 8001- per item ',§.'f::

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INTER SOL CHARGES In CBS OperationsAREA OF BANKING SERVICE SERVICE CHARGES (FLOOR RATES) Excluding GST 18%

1 INTER-SOL CASH TRANSACTION(DEPOSIT & WITHDRAWALS)

Freeof charge*in respect of any amount/any number of cash deposit! withdrawals per day per account.

(a) Local (Non-base branches)(*Instead of Inter-SOLCBScharges, the local non-base branch will levy cash handling charge as applicableto base branch.)

Savingsaccount-(Excluding BSBDacs) cashhandling charge as per Basebranch i.e. chargeswill be leviedabove- 5- per transaction per month at any branch- Rs.25/- per transaction.

(b) Cash deposit Outstation branch eA/ee/OO/Other: Chargeable in case of cashdeposit in excessof Rs.25000/- per day per account at Rs.2.00 per thousand or part thereof in addition to cashhanding charges. Chargesapplicable on wholedeposited amount.SB/CAICC/O0: Beyond first five transations per month (excluding withdrawals from ATM) charges of Rs

(C) Withdrawals 1001- per transaction.

NOTE:1. Maximum withdrawal allowed at outstation branch is Rs 50000/- per day to the account holder only.2. System will apply Inter-SOL charges.3. Inter SOL cash payments to third parties is not permitted.4. Per transaction limit of,{ 500001- to BH/Officer is fixed for cash withdrawal by drawer by self cheque at branches irrespective of nature of accounts.5. In order to avoid duplication, this Inter-SOL charge should not be clubbed with the Cash handling charges which is being recovered at present for deposit ofcash at base branch & local Non-base CBS branches beyond certain amount per day.6. Only Cash handling charges will be levied at base branch & Local Non-base CBS branches.

2 FUND TRANSFER/CLEARING (Inter-SOL)

(a) Transfer of funds through cheque amongst thecustomers of CBSbranches will as under:

(i) Transfer offunds within the samedearing area Free of charge transfer of funds through cheque irrespective of any amountthrough cheque

(ii) FundTransfer amongst CBSbranches outside Up to • 1 Lac- Free per daythe clearing area through cheques drawn on any ofour CBSbranches ORFundstransfer amongst CBS Above' 1 Lac to • 5Lac - . 25/- per txnbranches through collection of outstation cheques Above' 5Lac - • 501- per txn .,.Y'~drawn on our CBSbranches

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REMITTANCE THROUGH NEFT I RTGS(a) NEFT Transaction (Inward) NIL(b) NEFT Transaction (Outward)(i) Up to' 10000/- ~2.25 per Transaction(ii) Above' 10000/-Up to . 1.00 Lac ~4.75 per Transaction(iii) Above' 1.00 Lac upto . 2.00 Lacs ~ 14. 75per Transaction(iv) Above' 2.00 Lacs ~ 24. 75per Transaction(c) RTGS Tansaction (Outward) Amt. t 2 lac to t 5 lac Amt. above ~ 5 lac

(i) Between 8.00 hrs to 11.00 hrs(ii) Between 1100 hrs to 13.00 hrs

Rs.24.50/- Rs.49.50/-(iii) Between 13.00 hrs to 16.30 hrs(iv) After 16.30 hrs

CONCESSION TO VARIOUS CATEGORIES

Donations to PM/CM's Relief FundsI.At par collection of cheques favouring the fund.II.Free remittance.

At Par Remittance(a) At par remittance of maturity proceeds to Time Deposit as well as periodical interest to another Branch(b) At par collection of cheques issued as per court orders for investment in Time Deposits.(a) At par collection of cheques (only cheques issued by Government representing subsidy under IRDP and other

Government Sponsored SchemesGovernment Sponsored Schemes.)(b) Issue of DO/Bankers Cheque "AT PAR" (For Drafts/Bankers' Cheques for disbursement of loans underGovernment Sponsored Schemes where payment is made direct to suppliers.)

All Loan/Advances SchemesIssue of DO/Bankers Cheque/NEFT/RTGS "AT PAR" (For payment of assets created through loans / advances wherepayment is made direct to suppliers/sellers) As per Cir. 214 dtd. 07.10.2017

District Rural Development Agency At par collection of cheques deposited by DRDADividend/Interest Warrant! Refund Orders/ Gift Collection "At Par" upto' 100/-Cheques:Staff Members:Staff Members No service charge for various transctions unless otherwise specified to the contrary.

Conditions for Ex-staff Members

Ex-staff Members (a) He/She should be able to establish his/her identity as an ex-staff member of our Bank.He/She should not be gainfully employed.

Joint Accounts of staff members with close (Same Rules as for deposit Alcs.)relatives.Depositing loan instalment & transfer of the sameto another branch of same for the credit to loan No service charges.Alc ",.~-Y ..•

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SECTION - II : Advances Related1Unified Processing Charges

(Inclusive of Documentation Charges)Processing charges are to be recovered on perannum basis for all kind of advances at the time ofinitial processing as well as at each renewal(including agricultural advances)

{Al)General Loan/TL/DL (Non agriculture/Agriculture/ SRTO/ Allied agriculture/ SME Rin/TUFF/ Saral Krishi Rin)

(a)Upto '50000/-

(i) Govt. Sp. Programmes/Priority Sector AdvancesNIL

(ii)AII other Advances ~500/-

(b)Above'50000/- upto'2.00 Lacs

(i) Govt. Sp. Programmes NIL

(ii)AII other Advances @ 0.50%, Min. '500/-

(c) Above'2.00 Lacs & upto'1.00 Crore @ 0.50%, Min'1000/- PA

(d)Above'1.00 Crore @ 0.50%, Min'50000/- PA

(e) At the time of annual review/renewal of @ 0.20% P.A. on Outstanding Amount Min.Rs.500/-TUOL a/c

(A2)CC/00/Saral Krishi 00 (excluding KCC)

{a)Upto '50000/-

(i) Govt. Sp. Programmes/Priority Sector Advances NIL

(ii)AII other Advances ~ 500/- VH~'~, . Jit..--r;••••

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(b)Above'50000/- upto'2.00 Lacs

(i) Govt. Sp. Programmes NIL

(ii)AII other Advances @ 0.35%, Min. '500/-

(c) Above'2.00 Lacs & upto'1.00 Crore @ 0.35%, Min'7001-

(d)Above'1.00 Crore @ 0.35%, Min'350001-

(A3)KCC Loan:No Processing Charges to be charged on loan amount upto Rs. 3.00 Lac to Small and Marginal Farmers at thetime of sanction only.

(1)Up to '50000 NIL

(2)Above ' 50000 & upto ' 100000 @ 0.25% or Min. ' 2501-

(3)Above '100000 & upto ' 200000 @ 0.35% or Min' 3501-

(4)Above '200000 & upto '10000000 @ 0.35% or Min'10001-

(B) Non-Fund Based (LC/Guarantee)@ 0.20%, PA Min' 500/-

(C) Processing charges for Ad-hocl Excess @ 0.35%, PA Min. '500/-sanctions:

(D) Loans sanctioned against NSC, KVP or LlC @ 0.25%,Min. ' 1001-Max' 1000/-Policy (One time charges at the time of sanction)

(E) Revalidation of Sanction 25% of the applicable Processing Charges

(F) Sampati Rin scheme (Loan against Property)

(i)For Term Loan1.00%, Min. ' 1000/- (One time only at the time of disbursement)

(ii) For Over Draft0.50%, Min. ~ 500/- (At the time of first disbursement & renewal every year)

(G) General Credit CardNIL

~50/- ~.(H) Swarojgar Credit Card(One time) ..i" ~ '1~!~

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(I) Housing Loan Scheme (One Time) @0.35% of Loan Amt Min. ' 5001- (At the time of disbursement)

(J) Take Over of Home Loan (One Time) @ 0.10% OF Sanction Amount Min.Rs.5001-

(K) Housing RepairslMaintenance Loan (One Time)@ 0.50% of Sanctioned Amount Min. ' 5001-(At the time of disb. )

(L) Farmer's Housing Repairs/Maintenance Loan(One Time)

(i) Up to '50,000/- NIL

(ii) Above'50,0001- ~250/-(One time only)

(M) Two Wheeler Rin Yojana (One Time)

(i) Up to '50,000/- ~500/-

(ii) Above'50,000/- @ 1.00% of Sanctioned Amt Min. ' 5001-

(N)Apna Vahn Rin Yojana (One Time)

(i) Up to '10.00 Lac @ 0.5% of sanctioned Amt. Min. Rs1000/-

(ii) Above ~ 10.00 Lacs @ 0.5% of sanctioned Amt. Min. Rs5000/-

(0) Trader's Loans (Saral Vyapar / Premium Saral~apar)

(i) Upto ~ 50,000/- ~ 5001-

(ii) Above ~ 50,0001- Upto ~ 2.00 Lac @ 0.50% Min.Rs.500/-

(iii) Above ~ 2.00 Lacs @ 0.50% Min.Rs. 10001-

(0-1) At the time of annual review/renewal of TUDL @ 0.20% P.A on Outstanding Amount Min.Rs.500/-

alc(P) Trader's Loans 010 limit (Saral Vyapar IPremium Saral Vyapar)

(i) Upto ~ 50,000/- ~ 5001-

(ii) Above ~ 50,000/- Upto ~ 2.00 Lac @ 0.35% Min. ~ 5001-

(iii) Above ~ 2.00 Lacs @ 0.35% Min. ~ 7001-

(Q) Loan to Doctors (One Time) @ 0.35% of Sanctioned Amt Min. ~ 1000/-

(R) Pensioners Loan NIL

(S) Loan for Laptop/PC ( Scheme is not in Bank) @ 1.00% of Sanctioned Amt Min. ~ 500/- ..J£..!!/'t ••••• 'J'i ..."r.l'

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SERVICE CHARGES (FLOOR RATES) Excluding GST 18%AREA OF BANKING SERVICE

NIL(T) Education Loan

(ii) For Study in Abroad 1.00 % of Sanctioned Limit (Charges Refundable on availment of Loan)(i) For Study in India

(U) Top up Loan (One Time) 0.50% of Sanctioned Limit

M Future Rental Scheme 10.50% of Sanctioned Limit(V-1) At the time of annual reviewlrenewal of FutureI0.20% on Outstanding Amount Min.Rs.500/-Rental a/c(W) Sulabh Rin/Premium Sulabh Rin (One Time) 10.50% of Sanctioned Limit

(X) Loan Against WHR 10.15% of Sanctioned Limit Min ~ 500/-(V) Commitment charges (Fund based facilities)Commitment charges will be levied in case of non-utilization / under utilization of workingcapital limits for advance account with fund basedworking capital limits of Rs.50 lacs (Fifty Lacs)and above. NO commitment charges shall belevied on any type of Agriculture Advances

(i) Where average utilization is 60% and above ofthe limit

No commitment charges to be recovered separately.

(ii) Where the average utilization is below 60% ofthe limit

Cmmitment charges to be recovered @ 0.50% p.a. for the unutilized portion

(Zl Pre Closu re Charges on above ~ 25 Lacsenction limit (Sampati Rin /Premium Sampati Rin/ Saral Vyapar / Premium Saral Vyapar / Projectloan for Non Agriculture / CC Limit / SME Rin /Loan against WHR)

(i) CC Limit1.00 % of Sanction Amount1.00 % of Sanction Amount

(iii) Term Loan 0.50 % PA of Out standing loan amount at the time of take over for remaining period of Loan(ii) OD Limit

(AA) Fee for opening/operating Eserow/TRA(Trust & Retentions) Ales - Our Share Limit

(i) Upto ~ 5.00 Crare ~ 100000/- per year (To be recovered upfront on Annual basis)

(ii) Above ~ 5.00 Crore upto ~ 10.00 Crore ~ 200000/- per year (To be recovered upfront on Annual basis)

(iii) Above ~ 10.00 Crore ~ 500000/- per year (To be recovered upfront on Annual basis)r:» t'\ ,

NOTE:1. Processing Charges are inclusive of Documentation Charges, hence no separate charges should be levied for Documentation.

2. No processing charges should be levied for loans sanctioned under DRI/LABOD/OD against Bank's DepositlSGSY/SCDCI SHG/JLG/ HWGIEducational Loan/Staff Loans under staff scheme and public scheme.

3. Above charges are payable on limit sanctioned (excluding KCC) and in case of KCC, charges are payable on yearly drawing power limit. (Asper Cir. 136 dtd. 07.07.2017 and 214 dtd. 07.10.2017) - For Small/Marginal farmers- NO charges for sanction of KCC limit up to Rs. 3.00 Lac,however all applicable charges will be recovered at the time of review every year.

4. Pre closure charges on out standing Accounts with effect from the Date of Review and on New Accounts from the Date of Senction5. 50% of Processing charges should be levied at the time of proposal received by branch (before initiating processing) and rest 50%charges should be levied at the time of loan disbursement.

6. Processing Charges should be levied in the case of Cash Credit Limits at the time of every renewal. In the case of delay in renewal, chargesshould be levied for delay period also.

7. Processing Charges on KCC should be levied as per rates given above at the time of fresh disbursement as well as every renewal. (No Cardcharges to be levied)

8. No processing charges should be levied for loans sanctioned under MSE upto Rs. 5.00 Lacs.

9. GST CHARGES EXTRA (Present rate of GST is 18%)

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2 Charges for carrying out inspection of Accounts with limits Charges Rer insRectionsecurities charged to the Bank.

Upto ~ 50000/-- Nil

Above ~ 50000/- to Rs. 2 lacs - ~ 250/- per inspection

Above ~ 2 lacs to RS.5 lacs - ~ 500/- per inspection

Above ~ 5 lacs to RS.20 lacs - ~ 750/- per inspection

Above ~ 20 lacs to Rs.1 Crore- ~ 1000/- per inspection

Above ~ 1 Crore to Rs. 5 Crs. - ~ 3000/- per inspection

Above ~ 5 crores - ~ 5000/- per inspection

Note

1. No inspection charges for Loan/OD against Banks own Deposits, Loan against NSC/KVP/LIC Policy.

2. 50% inspection charges should be levied for borrowers of weaker section.

3. Actual pocket expenses/vehicle expenses should be levied in addition to above charges

3 Exchange on Bills purchased/Bill Discounted(i) For Outstation cheques drawn on other Bank!Bills

a) Where we have branches @ 0.35% of the Amt. + Collection Charges (inclusive of Interest for 10 days)

b) In other cases @ 0.70% of the Amt. + Collection Charges (inclusive of Interest for 14 days)

(ii) Overdue Interest

In case of above (i){a), from 11th day @18%

In case of above (i){b), from 15th day @18%

(iii) In case of return unpaid

In case of above (i){a), from 11th day @18%

In case of above (i){b), from 15th day @18%

(iv) Charges for change in original instructions ~ 50/- per occasion

Note:- Interest calculation, as mentioned above, on overdue or instrument return unpaid should be carried out till date of adjustment on daily basis. Thiscalculation should be based on actual date when bank received amount. In addition, Postage expenses, other pocket expenses and charges levied by othercollecting bank should be charged on actual basis. ,>' ~. ,

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4 Bank Guarantees

(i) Performance Guarantee f 150/- + 0.50% per quarter or part thereof for the Guarantee Amt. (The charges applicable to 6 monthsminimum)

(ii) Other than Performance Guarantee (i.e.guarantee for mobilisation of advances/Advance f 150/- + 0.75% per quarter or part thereof (the charges applicable to 6 months minimum)Money/Earnest Money/Concessional duty IGuarantee favouring custom Deptt.)

I

(iii) Guarantee against 100% Cash Margin/FDRsf 150/- + 25% of amount of Commission applicable to the guarantee of similar amount not secured by

i100% cash margin.

portion of Guarantee comrmsston already recovered be refunded: An amount computed at naif me angina(iv) Refund for guarantees tendered for cancellation rate for the unexpired period of guarantee less -3- months, may be refunded as per rate charged originallybefore the expiry date (Should be for a complete month)

(v) Payment of Bank's Gaurantee, as and when At par paymentinvoked

(vi) For Staff membersCommission to be charged as per above rates (Except Gaurantee issued for the purpose of education ofchildren of staff members.)

5 Issuance of No Dues Certificate (ChargesIper occasion)(i) For Loans under Govt. SponsoredProgramme I Priority Sector Advances NIL

(ii) For Non Priority Sector Loans

a)Rural Branches f 20/-

b)Semi-urban/Urban Branches f 100/-

Note: Actual position as per Branch Record should be mentioned on No Dues Certificate in place of writing "Obtain Affidavit"

6Deviation charges (For all Retail Loan andMSME Loan schemes)i) Deviation in conditions of the Loan 0.10 % on the sanction amount - Max.-5000/- (Concession in Interest rate and processing charges shallScheme not be considered as Deviation in condition of the scheme)

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I AREA OF BANKING SERVICE SERVICE CHARGES (FLOOR RATES) Excluding GST 18%SECTION - III : Digital' ADC charges

1 Internet Banking

Password Printing (charges on regenerationRetail User- Rs. 25/-

only, free for new user) Corporate User - Rs. 50/-

2 IMPS

Upto Rs.1,000/- Rs. 1/-

For 1,001/- to 25,000/- Rs.1.5/-

3

NEFT Charges through Digital channel in 5Bcharges through Digital Charges through Branch in

ac (excluding G5T) channel in other than 5B all accounts (excludingac (excluding G5T) G5T)

Upto Rs.10,000/- 0.00 Rs 2.25/- Rs 2.25/-

Rs.10,001/- to Rs.1,00,000/- 0.00 Rs 4.75/- Rs 4.75/-

Rs.1,00,001/- to Rs.2 Lac 0.00 Rs 14.75/- Rs 14.75/-

Above Rs2 Lac 0.00 Rs 24.75/- Rs 24.75/-

4 NACH

Return charges Rs 100/-

Mandate Rs 100/-

5 Debit Card Issuance

RuPayClassic(Non Personalised) NIL

RuPayPMJDY Govt Sponsored Scheme - Fee exempted

RuPayKCC Govt Sponsored Scheme - Fee exempted

6 Debit Card Annual Fee

RuPayClassic(Non Personalised) 1st year Free & Second year onwards Rs. 100/- Per year ~,,,."

RuPayPMJDY Govt Sponsored Scheme - Fee exempted ,l~~.~··~RuPayKCC Govt Sponsored Scheme - Fee exempted

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7 Debit Card PIN RegenerationRuPayClassic(Non Personalised) Rs. 50/- Per Generation

RuPayPMJDY Govt Sponsored Scheme - Fee exempted

RuPayKCC Govt Sponsored Scheme - Fee exempted

8 Debit Card Regeneration Rs. 200/- Per Generation9 Debit Card other charges

Charge- slip retrieval charges Rs. 400/- per retrieval

Surcharges for RailTickets and Petrol/Fuel/Gas Rs. 10/-Stations

10 ATMMetro ATM-3,

Number of FreeOFFUStransactionsNon Metro-5

Charges After Free OFFUS transactions

For Financial Transaction RS.20/-

For NON-FinancialTransaction Rs.10/-

11 SMS Alerts ChargesSavingAccount Rs 15/- Per Quarter

Current! Overdraft/ Cashcredit Account Rs 25/- Per Quarter----- ~~-------- ---

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BARODA RAJASTHAN KSHETRIYA GRAMIN BANK(Head Office: Ajrner)

LIST OF UNIFORM SERVICE CHARGESPART - B : UNIFORM SERVICE CHARGES TO BE APPLIED MANUALLY

SECTION - I : DEPOSITS AND ALLIED SERVICESAREA OF BANKING SERVICE SERVICE CHARGES (FLOOR RATES) Excluding GST 18%

1 Collection of deposit receipts onmaturity

If the amount is kept in Branch as Term DepositFree

If Amount is not kept as Term Deposit. Flate Rs 50/-

Remittance of amount of Term DepositAs per Charges for DO/Banker's Cheque

2 Handling charges for Bills returned

unpaid.

Local ~ 100/- per instrument

Outstation50% of the collection charges subject to a min. ~ 200/-

Note: Postage is to be recovered extra.

3 To ascertain fate of local cheques lodged inclearing, at the request of the customer.

~ 50/- plus actual conveyance charges

4 Change of original instruction in

respect of OBCIIBC e.g.

a) Delivering free of payment ~ 60/- per instrument

b) waiving 'c' form etc ~ 60/- per instrument

c) Allowing rebate ~ 60/- per instrument

d) Extending time for retirement~ 60/- per instrument

5 (a) Issue of fresh DO/Bankers' cheque in Normal Remittance Charges aplicable for DO

lieu of lost one

(b) Revalidation of OOlBCCharges applicable for New DD/BC

Note: In normal case, DO Revalidation is not allowed in CBS DO & new DO should be issued after "e.Cancellation of old one. ,~ ?Ii =df.:-,

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6 SAFE DEPOSIT LOCKERS1. locker Rent Rural Semi-urban Urban

(i) Small Lockers f 900/- p.a. f 1000/- p.a f 1500/- p.a.(ii) Medium Lockers f 1500/- p.a. f 1500/- p.a f 2500/- p.a.(iii) Large f 4500/- p.a. f 4500/- p.a. f 4500/- p.a.

2. Penalty for late payment of locker rent(i) for locker rent upto f 1500/- First three month f 100/- per month there after Rs 40/- per month or part thereof.(ii) For Locker rent more than f 1500/- First three month f 200/- per month there after Rs 60/- per month or part thereof.

3. Incidental charges to be recovered in case ofBreaking Open of the Locker, over and above f 1000/-actual cost incurred for the same

4. Locker operation more than 12 times in a year f 100/- per occasion

NOTES:1.Allotment of lockers is on first-come-first served basis. For this purpose, a wait list is to be maintained.2.When the rent is paid in advance for -3- years & above, 10% discount may be allowed.

3.Concession of 50% in rentals to staff members/Ex-staff in respect of only one locker allotted to them against undertaking that concession has notbeen availed in respect of any other locker in the bank.

7 Safe Custody Chargesi) Bank's own deposit receipt Nilii) Scrips f 5/- per scrip - Min. f 50/- p.a. or part thereofiii) Sealed Covers f 250/- per cover per Annumiv) Sealed boxes-measuring not more than 200cubic inches, proportionately higher charges for f 20001- per box per Annumbigger boxes

8 Services Charges for handling scrips f 50/- per block of 10 scrips or part thereof - Min. f 50/- per account9 Photo attestation f 1001- per photo per occasion10 Postal & Telecommunication Tariff

(a) Ordinary Post Actual expenses, subject to minimum f 10/-(b) Registered Post Actual expenses, subject to minimum f 50/-(c) Courier Charges Actual charges, subject to a minimum of f 50/-

(Charges are per instrument per occasion)11 Service Charges for non customers for

150%of Normal Chargesall Banking Services •.• >"!:: I;i•••.••• >,:.. -!\.....;.... ~

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SECTION - II : Advances RelatedAREA OF BANKING SERVICE SERVICE CHARGES (FLOOR RATES) Excluding GST 18%

1 Processing Charges for givingagreement in principle in respect ofadvances account(i) Upto ~ 5.00 Crore Nil

(ii) Above ~ 5.00 Crore Upto ~ 10.00 Crore ~ 25000/-

(iii) Above ~ 10.00 Crore ~ 2000001-

2 Issuing of NOC of all types like granting NOCfor ceding parri passu charge, exclusive charge, 2nd

charge etc.

(Not applicable in case of NOC/Exchange ofParripassu letter in Cosortium)

(i) Acls with limit upto ~ 25.00 lacs ~ 5001-

(ii) Above ~ 25.00 lacs ~ 5000/-

3 Revision of Repayment schedule inrespect of TLIDL with limit

(i) Up to ~ 10.00 lacs ~ 2501-

Oi)Above ~ 10.00 lacs upto ~ 1.00 Crore ~ 2000/-

(iii) Above ~ 1.00 Crore '{ 5000

4 Modification in Terms & Conditions ofsanction - Accounts with limit

(i) Up to ~ 1.00 Crore '{ 1000/-

(ii) Above ~ 1.00 Crore ~ 5000/-

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5 Inland LlCs1. Unified Charges (Commitment + Usance)

(i) Sight LCs and upto 30 day- usances 0.70%

(ii) Beyond 30 days usance 0.20%

Note :- The period is to be calculated from the date of opening of LC to the last date of its validity + usance period of bill and part of a monthshould be construed as a completed month.

2. Commitment Charges t 5000/- Min.

3. Extension/Amendment of LC t 500/- per amendment + as above4. Enhancement of the value of LC shall berecovered for the additional amount, on the Charges As aboveoutstanding liability under the LC.

5. Discrepancy fee 0.15% Min. t 500/- Max. t 10000/-

6 Revolving Letter of Credit(at the time of opening and on each reinstatementon the amount of rei nstatement, period of As applicable in LCsreinstatement and usance period of bill.)

Note: -1. Charges are to be recovered when a LC is Opened or amended and no refund may be allowed in any circumstances Whatsoever, whether a credit iscancelled, is only partly availed of or expired wholly unavailed of.

2. Telex/Fax and cable charges shall be recovered additionally.

3. While issuing a standby LC. Service charges equivalent to commission on Financial or Performance Guarantee be recovered, according to the nature of theguarantee provided by the standby LC

7 Other Charges1. Advising LCs (only where LC opening and t 500/-advising banks are different)

2. Confirmation of LC (only where LC opening and For addition of confirmation, 0.20% p.m. for the period of validity and usance on the amount of LCadvising banks are different)

3. Transferable LCs t 500/- for each transfer in part of full4. Acceptance commission where usance draft are

0.10% p.rn., min. t 500/- /::;: -to be accepted5. Negotiation Charges t 500/- .t

AREA OF BANKING SERVICE SERVICE CHARGES (FLOOR RATES) Excluding GST 18%7.Attestation of commercial invoice

(i)At the time of negotiation collection NIL(ii) Each subsequent occasion ~ 501-

8.Guarantees due to discrepancies indocuments

(i) if payment is credited to beneficiary's alc 0.25% Min. ~ 5001-

(ii) if payment not made ~ 5001-

9. Providing Credit opinion (including introduction) ~ 2501- ($ 50.00 in respect of Foreign Banks)

10. Other Credit related Areas Allowinginterchangeability within fund based limits, withinnon-fund based facilities and between fund based 0.25% of the amount involved subject to Min. ~ 5001-and non fund based limits ( to be charged onadhocltemp interchangeability)

IMPORTANT REMARKS I POINTS1. 50% additional Service charges should be levied from Non-customers.

I

2. Rebate may be given of collection charges for part of amount of cheque if it is kept with bank for a minimum period of one year as TermI

Deposit. A remark should be marked on Term Deposit Receipt for rebate given to customers and in case of premature payment, amount of !rebate must be recovered.

3. Regional Manager may take decision to give rebate in collection charges for out station cheques/instruments, deposited to credit salary ofemployees of Govt. Institute/Department/Employers through accounts in branch.

4. If accounts are maintained by any Firm/Organisation or its subordinate agencies in different branches of Bank, Regional Manager may takedecision on case to case basis to give rebate in exchange for remittance of funds. These cases must be reported to Head Office on monthly basisand must be reviewed on annual basis.

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BARODA RAJASTHAN KSHETRIYA GRAMIN BANKANNEXURE _"A" BARODA RAJASTHAN KSHETRIYA GRAMIN BANK (Head...

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Transcript of BARODA RAJASTHAN KSHETRIYA GRAMIN BANKANNEXURE _"A" BARODA RAJASTHAN KSHETRIYA GRAMIN BANK (Head...